1800 270 7000

Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

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Get a loan on your existing home loan to meet your needs

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Credit Track

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Home Loan EMI Calculator

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Mortgage Calculator

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Home Loan Eligibility Calculator

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Personal Finance

Unlock a world of possibilities with diverse personal finance options, tailored for every chapter of your life.

Personalised solutions
Flexible repayment options
Collateral-free lending

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1623

NATIONWIDE BRANCHES

₹5.11 Lakh Cr.

AGGREGATE ASSETS

2,00,000+

AGENTS/CHANNEL PARTNERS

₹1.57 Lakh Cr.

CONSOLIDATED LENDING BOOK

What is Personal Finance?

It is a range of financial solutions and strategies designed to help you meet expected and unexpected financial needs. These convenient financing solutions can cover a wide range of expenses, from consolidating debt and financing medical emergencies to pursuing educational goals and fulfilling lifestyle aspirations.

Competitive interest rates
Quick and transparent processing
Convenient repayment options

Our Personal Finance Products

Find a wide range of solutions for all your financing needs.

Personal Loan

Attractive interest rates, flexible terms, and a seamless application process. Your path to achieving your financial goals begins here.

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Flexi Loan

Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.

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Compare Our Personal Finance Products

A quick glance at how personal finance solutions differ from each other

PRODUCT TYPE	PERSONAL LOAN	FLEXI LOAN
Purpose Suggests who should get this loan. Remember, it’s only a suggestion.	Consolidating debt, financing medical expenses, pursuing education, fulfilling lifestyle aspirations	To get funds instantly and repay the loan at your convenience.
Who Can Apply Who can apply for this loan	Salaried Age: 21 to 60 years, Credit score: above 750+ Salary (Min/per month): Rs. 25K (for Mumbai and Delhi), 20K for Tier 1 cities and Rs. 18K for Tier 2,3 and 4 cities.	Salaried
Loan Amount The duration for which the policy is in effect.	Up to ₹50 lakhs
Tenure The sum assured along with bonuses that are paid to you when you survive the policy period.	Up to 7 years	Up to 7 years
Interest Rates The option to decide how often you want to pay premium - monthly, quarterly, yearly etc.	13% to 28%	11% to 16%
Processing Fee Indicates the investment-related risks of the plan.	Up to 2.5% of the loan amount	Up to 2.5% of the loan amount
Additional Features Indicates how easy it’ll be to access cash from your policy.	No collateral needed	Interest charged only on the utilised amount
	APPLY NOW	APPLY NOW

Interest Rates
Available

Loans up to 12 months

Loans up to 12 months - The Short Term Reference Rate (STRR) would be considered which is 19.25% p.a. w.e.f. March 23, 2023

Loans more than 12 months

The Long Term Reference Rate (LTRR) would be considered which is 20.25% p.a. w.e.f. March 23, 2023

Fees & Charges

Charge Type	Amount
Cheque Return charges	₹500 + GST per instance
Default Penal charges	3% of pending amount per month
Charges for cancellation of Loan	4% of loan amount disbursed + applicable taxes
CIBIL report retrieval fees	₹100 + GST per instance
Charge for Exchanging PDCs / ECS	₹750 + GST per instance
Loan re – schedule charges	₹5000 + GST per instance
Stamp Duty	As per Actual if applicable
Insurance Premium	As per Actual if applicable
Pre – closure Quote	₹1000 + GST per instance
Any other charges	As per Actual if applicable
Part - Pre Payment Charges	Charges: A) Nil Charges - If Part prepayment is equal to 20% of total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of total disbursed Conditions: A) No pre - payment is allowed in first 6 months from the date of disbursement B) Part Pre - Payment amount should be equal to OR greater than total of 3 EMIs. C) In first year of loan tenure, part-prepayment is allowed only once
Foreclosure Charges	4% of the Principal outstanding amount + GST Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal.

Our Personal Finance Products Find a wide range of solutions for all your financing needs.

Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN

Loans by Amount PERSONAL LOAN OF 5,000 PERSONAL LOAN OF 10,000 PERSONAL LOAN OF 15,000 PERSONAL LOAN OF 20,000 PERSONAL LOAN OF RS. 25,000 PERSONAL LOAN OF RS. 30,000 PERSONAL LOAN OF RS. 50,000 PERSONAL LOAN OF RS. 60,000 PERSONAL LOAN OF RS. 1 LAKH PERSONAL LOAN OF RS. 2 LAKH PERSONAL LOAN OF RS. 3 LAKH PERSONAL LOAN OF RS. 4 LAKH PERSONAL LOAN OF RS. 5 LAKH PERSONAL LOAN OF RS. 10 LAKH PERSONAL LOAN OF RS. 15 LAKH PERSONAL LOAN OF RS. 20 LAKH PERSONAL LOAN OF RS. 25 LAKH

Loan for Utility LOAN FOR IPHONE LOAN FOR LAPTOP LOAN FOR TV

Loans by Profession LOAN FOR SALARIED LOAN FOR SELF EMPLOYED LOAN FOR GOVERNMENT EMPLOYEES LOAN FOR DOCTORS LOAN FOR TEACHERS LOAN FOR CA LOAN FOR ENGINEERS

Loans by Needs MEDICAL EMERGENCY LOAN WEDDING LOAN TRAVEL LOAN HOME RENOVATION LOAN FOR EDUCATION DEBT CONSOLIDATION LOAN LOAN FOR EMERGENCY LOAN FOR SHOPPING LOAN FOR WOMEN

Customer Satisfaction Stories

Hear from our customers what they have to say about their experience.

Mrs. Kavita Nilesh Chordiya

Aditya Birla Health Insurance Customer

Mauris Porta Arcu Id Tortor Pulvinar Cursus. Duis Mattis, Diam Id . Sit Amet. Donec Velit Massa Pharetra A Elementum Sed Mattis Vel Tortor. Ac Neque Ut Purus Sed Nulla Felis Pharetra. Lobortis Aliquet Tortor Suspendisse Urna Mauris Justo Volutpat Odio. Dignissim Orci Ante Mattis Scelerisque Lacus Amet.

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

Mr. Vivek Mishra

Aditya Birla Health Insurance Customer

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

Mr. Baijnath Choudhary

Aditya Birla Capital

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

Rocky Mahapatra

Aditya Birla Capital Limited

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

FAQs on Personal Finance

You can reach us via:

• Helpline: 1-800-270-7000 — 9 am to 9 pm, Monday to Sunday (closed on national holidays)

• Service Branches: 9.30 am to 6 pm, Monday to Friday and alternative Saturdays (2nd, 4th and 5th Saturdays are working. Branch closed on Sundays and national holidays)

We always strive to offer you a hassle-free experience. To help you control your loan account, we are introducing a unique and completely secure service platform called ABCL Connect. You can access your loan account by using your login credentials - click here (https://finlogin.adityabirlacapital.com/Pages/Secured/OneABC/Login.aspx).

Features of ABCL Connect are:

• View your loan account whenever, wherever

• View and save your amortisation schedule for any future reference

• Make an online request for disbursement

• Change your ECS mandate

• Ask for a top-up loan

• Apply for a new loan

ABCL has a unique set of offerings as mentioned below:

• Customised solutions; hassle-free financing

• Complete transparency in charges and processes

• Quick approvals and minimum processing and disbursement time

• Easy online application process and instant eligibility

• Doorstep services with simplified documentation through service RM’s

• Choose between simple EMIs or structured repayments

• Attractive balance transfer option available to transfer your existing loan to us without any hassles

Any unbanked/unused cheques in the custody of ABCL or ABHFL, such as post-dated cheques, undated cheques, and security post-dated cheques, will be cancelled and destroyed without any intimation to the customer after the closure of the loan account.

This is done to protect the customer from fraud and to ensure that the cheques cannot be used once the loan account is closed.

Aditya Birla Capital offers a comprehensive suite of personal finance products to cater to diverse needs, including:

• Personal Loans: Access funds for a variety of purposes with flexible repayment options and competitive interest rates.

• Flexi Loan: Experience the flexibility to withdraw funds as per your needs and repay conveniently with interest charged only on the utilised amount.

The essential documents typically include

KYC Documents
Address Proof
Income proof (such as salary slips for salaried individuals or recently acknowledged ITR for the self-employed).
Identity proof
Loan Statements

Yes! Along with the interest on the principal amount, there is a non-refundable processing fee of up to 1.5% to 4% of the loan amount when applying for a personal loan.